Yes, the msi one is great, but i'm talking margin of error in sound readings for the msi one being the loudest. It is not loud enough over the other cards that someone would notice in a blind test, and i emphasized this in my first post. I too have read many reviews, and based on an average across multiple reviews, the msi twin frozer is indeed ever so slightly louder than the other two that i listed. As far as cooling, if you compare temps of the twin frozer to the direct cuii, you will find that the twin frozer is indeed also ever so slightly warmer.
The numbers do not vary by a degree or 2 or even a db or 2 in regards to sound, but the difference has been measured.
The BIG thing that the msi one has going for it is the price. In this world you will not get the best product for the cheapest price, it is as simple as that. The MSI one is great for it's price, but the other two, slightly more expensive coolers i mentioned, are both, ever so slightly better, but do in fact cost more than the msi variant